Pattern day trading rule

If you’re using a margin account AND it’s than $25,000 in value, you need to be aware of this rule. I use TD Ameritrade, but I imagine most are very similar, because it’s a FINRA rule (Financial Industry Regulatory Authority) that’s meant to protect us retail traders.

Wikipedia says a Pattern Day Trader is someone who executes 4 or more day trades in 5 business days in a margin account (and the trades are more than 6% of their total trading activity). To do that “legally” you’re supposed to have a balance of at least 25k in that account, and let your broker know you want to day-trade.

TDA says that a Day Trade is a “round trip” (open and close” in a security (stock, bond, ETF, or option) in the same day. Doesn’t matter if you buy and then sell a stock, or sell and then buy back some options, like I do with Short Strangles. If you “open the position,” long or short, and then close it in the same day you’ve made one day trade.

And you might not even have been trying to make a day trade, it still counts. It happened to me today (6/28/21) with a Short Strangle on SOFI. The trade went on at 9:31AM and came off at 10:43 (72 minutes later) with its good-till-cancelled buy-to-close order at 75% profit. (I don’t know what happened with SOFI this morning, but that was the fastest-expiring short strangle I’ve had yet.)

So what does it matter, you’re wondering? Well, if you did that 4 times in any rolling 5-day period you’d be labelled as a Pattern Day Trader. But since you didn’t inform your broker you planned to day trade, they’re going to clamp down on your trading activity. I don’t know exactly what TDA would do, but their web page about it talks about you either having to bring your account up to 25k or possibly suspending your trading privileges for 90 days. Or you could be limited to closing positions only, and your margin buying power might be suspended. And then if you make another day trade while flagged as a PDT, you could be restricted from opening new positions.

So if our accounts are small I think we would best avoid exceeding the PDT rule. TDA makes it easy to monitor at the top of the Thinkorswim platform if you add the “DT Left” field in Settings.

690 thoughts on “Pattern day trading rule”

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  5. מדובר על עיסוי בתל אביב הניתן משני מעסים שונים, כאשר כל מעסה מתמקד
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    מעוניינים לבצע השוואה בין מעסים
    המעניקים עיסויים? עיסוי מפנק בהרצליה, ניתן להזמין עד הבית בהרצליה כמתנה לך, לבן הזוג לחברה או לאיש עסקים שאתם מעוניינים לפנק.

    מתי מומלץ לעשות עיסוי בתל אביב?
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    מנגד, כל עוד תקבלו עיסוי בקרית שמונה בלבד לאורך כ-45 דקות ועד
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    הכוללים הלבשה תואמת – הכול תלוי
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